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W-4 Form Instructions

Step-by-step guide to filling out your W-4 withholding form correctly.

The W-4 form tells your employer how much federal income tax to withhold from your paycheck. Fill it out correctly to avoid owing money or getting a large refund at tax time.

When to Fill Out a W-4

  • →New job: Your employer will ask you to complete a W-4 when you start.
  • →Life changes: Marriage, divorce, birth of a child, or buying a home.
  • →Tax refund too large/small: Adjust withholding to match your actual tax liability.
  • →Second job or side income: Increase withholding to cover additional taxes.

Step-by-Step Guide

Step 1: Personal Information

Enter your name, address, Social Security number, and filing status (Single, Married, or Head of Household).

Step 2: Multiple Jobs or Spouse Works

Complete this step if you have more than one job or if you're married filing jointly and your spouse works.

Choose one of three options: use the online estimator, use the Multiple Jobs Worksheet, or check the box if you have only two jobs total.

Step 3: Claim Dependents

Enter the dollar amount for dependents if you have qualifying children or other dependents. This reduces your withholding.

  • • $2,000 per qualifying child under age 17
  • • $500 per other dependent

Step 4: Other Adjustments (Optional)

Refine your withholding by accounting for:

  • (a) Other income: Interest, dividends, retirement income not subject to withholding
  • (b) Deductions: If you expect to itemize or claim deductions beyond the standard deduction
  • (c) Extra withholding: Any additional amount you want withheld each pay period

Step 5: Sign and Date

Sign and date the form, then submit it to your employer.

Pro Tips

  • • Review annually: Check your W-4 each January to ensure it still matches your situation.
  • • Use our calculator: Our W-4 calculator helps you determine the right settings.
  • • Don't over-withhold: Large refunds mean you gave the government an interest-free loan all year.
  • • Don't under-withhold: You could face penalties if you owe too much at tax time.

Calculate Your Ideal Withholding

Use our W-4 calculator to get personalized recommendations for your withholding settings.

W-4 Withholding Calculator

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